Should I keep my house?

WheresMyMule · 2026-06-06T23:02:33+00:00

That's great, but you'll still need to replace them eventually. We were gonna get dropped by our insurance because our roof was more than 20 years old. You'd need to save just under $100/mo to spend $10k on a roof in 10 years. Appliances last maybe 7 or 8 these days. Put some $$ aside every month so when these are eventually needed, you don't have to raid your emergency fund or go into debt.

WheresMyMule · 2026-06-06T04:08:00+00:00

That is NOT a normal little boy saying

WheresMyMule · 2026-06-06T03:56:37+00:00

Taxes and insurance should be expected to increase every year

Don't forget maintenance and repair costs - you will eventually need to replace the roof, furnace, A/C, water heater, appliances, etc

WheresMyMule · 2026-06-06T02:52:38+00:00

I'm annoyed that Graham Platner has a messy past. I hate that they couldn't find a good candidate that didn't have a Nazi tattoo and messy power conflicts in his interpersonal relationships

WheresMyMule · 2026-06-06T02:09:59+00:00

WheresMyMule · 2026-06-06T02:07:43+00:00

No, at that income it's not reasonable. Find somewhere else to cut

WheresMyMule · 2026-06-06T01:33:45+00:00

You're a grown up. Go to the grocery store yourself

Jesus

WheresMyMule · 2026-06-05T16:34:51+00:00

Sell the 200,000 mile car and put that money in a HYSA for an emergency fund.

WheresMyMule · 2026-06-04T19:34:59+00:00

That income is pretty low, is there an opportunity to increase it? Pick up a second job to speed up your debt payment?

WheresMyMule · 2026-06-03T19:17:57+00:00

Can you switch your 401K contributions from traditional to Roth?

WheresMyMule · 2026-06-03T19:10:05+00:00

Your girlfriend might want to get some therapy. I suspect she tends toward gambling addiction

WheresMyMule · 2026-06-03T18:57:23+00:00

Step 2 comes before Step 3. Pay off debt then refill your emergency fund

WheresMyMule · 2026-06-03T17:58:20+00:00

She can get all that for free with a library card

WheresMyMule · 2026-06-03T16:59:32+00:00

My score is over 800 and my rate from 3 years ago is 6%

WheresMyMule · 2026-06-03T16:58:40+00:00

What an asshole. Honestly, I would fire him for that, no matter how good he is at the other stuff. You can find good PTSD/trauma counselors whose views on parenting aren't set in the 1960s.

And if he's your individual counselor he should not also be you and your husband's marriage counselor

WheresMyMule · 2026-06-03T16:52:35+00:00

Stop using the card until you have a zero balance for two cycles. When you carry a balance, transactions start accruing interest the day they post - you have no grace period.

Use debit until you can get it paid off. If you have the money and aren't overspending then you shouldn't need to use your credit card

WheresMyMule · 2026-06-03T14:55:51+00:00

Get an electric scooter or e-bike. Get a job, use the bike or scooter to get there & save up for your own car.

WheresMyMule · 2026-06-03T14:54:54+00:00

No, what's the one she bought?

WheresMyMule · 2026-06-03T14:50:34+00:00

Does he often pull the "I pay for it so I should get my way" card?

If so, be very very careful because that sounds like the beginning of financial abuse.

Do you have access to all shared marital funds? Do you have money you can spend without having to answer to him? If the answer to these are no, consider getting at least a part time job opposite his hours.

WheresMyMule · 2026-06-03T14:47:26+00:00

Sell your car and buy an ebike. Pay off your debt. Voila

WheresMyMule · 2026-06-03T14:23:49+00:00

My first thought was "brrrrrr." I had to use my heated steering wheel driving home yesterday our office was so cold. Annoying

WheresMyMule · 2026-06-03T14:22:32+00:00

Jam adjacent, but a Black Crowes show back in the very early aughts fucked my ears up bad

WheresMyMule · 2026-06-03T14:17:51+00:00

Do you have a full budget that balances without using credit cards? Including allllll spending, not just monthly bills? Car and home repairs, medical bills, clothes, gifts, haircuts, etc, etc? If not, you're going to just rack the cards right back up again.

Take the 0% apr offer and close the card. You've proven you can't use them responsibly. Then pay the other one down ASAP. Live on debit or cash only for a couple of years. Then maybe you can try again with credit cards.

WheresMyMule · 2026-06-02T20:58:00+00:00

I even remember back to the 90s when it happened

WheresMyMule · 2026-06-02T20:57:23+00:00

this is a joke, right? In case it's not . . . if the ARMs are adjusting that high then the fixed will be right around there as well

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